Senior Analyst – Structured Finance, Colorado, New York or Toronto

About the role

The Structured Finance and Alternative Investment Funds team at S&P Global Ratings evaluates the credit risk of securitized products and fund structures by analyzing underlying asset performance, structural protections, cash-flow mechanics, and stress scenarios. The team delivers credit opinions that help issuers and investors compare complex instruments, providing market-relevant perspectives on performance trends and issuance conditions across a growing and evolving sector.

Responsibilities

• Team Contribution & Capability Building
  • Guide and coach junior analysts and research staff to build capability in credit analysis, data discipline, and analytical tooling for consistent, high-quality outputs.
  • Strengthen team productivity by creating reusable analytical assets and contributing to lightweight automation initiatives.
  • Identify and propose workflow improvements that remove unnecessary manual steps without compromising governance or analytical standards.
  • Partner with senior team members and Data and Engineering colleagues to identify and scale AI and automation use cases with governance-by-design and appropriate controls.
• Core Analytical & Delivery
  • Lead end-to-end credit analysis and surveillance for assigned structured finance credits, ensuring timely, high-quality delivery with clear accountability.
  • Synthesize portfolio performance, market signals, and peer context into decision-ready insights for rating committee discussions and risk assessments.
  • Embed and validate generative AI and large language model tools within analytical workflows while maintaining human accountability for conclusions.
  • Prepare and review analytical inputs, reconcile metrics, and document assumptions to ensure adherence to methodologies and standard operating procedures.
• Stakeholder & Market Engagement
  • Engage with external stakeholders alongside senior team members, translating complex data into clear, evidence-based narratives for clients and rating committees.
  • Prepare well-structured, committee-ready materials and communicate complex analytical content in an accessible format.
• Risk Management and Operating
  • Apply methodology, confidentiality, and data governance requirements consistently, escalating issues early with clear recommendations.
  • Contribute to the responsible design and testing of automation and AI-enabled workflows, maintaining clear boundaries between automation and human judgment.

Requirements

• Basic Required Qualifications
  • Direct experience analyzing securitized products, fund structures, or related structured finance instruments.
• Team Contribution & Capability Building
  • Demonstrated ability to deliver high-quality analytical work across multiple credits with limited oversight and coach junior colleagues.
  • Strong collaboration and relationship management skills with the ability to influence through credibility and constructive engagement.
  • A continuous improvement mindset with practical fluency in AI tools and sound judgment in their application.
• Core Analytical & Delivery
  • Demonstrated credit, financial, and risk analysis skills with the ability to link fundamental drivers to forward-looking risk views.
  • Practical experience embedding generative AI or large language model tools into professional workflows.
  • Proficiency in analytical and spreadsheet tools with a willingness to develop skills in data and automation platforms.
• Stakeholder & Market Engagement
  • Effective written and verbal communication skills to synthesize complex analytical content into concise, evidence-based narratives.
• Risk Management and Operating
  • High standards for analytical quality, traceability, and governance with sound judgment on the responsible use of AI tools.
  • Demonstrated ability to contribute to automation workflow design and testing, with clear judgment on which decisions require human oversight.

Qualifications

• 3 to 5 years of relevant experience in structured finance, credit analysis, or a related financial field.
• Bachelor’s degree or equivalent required; a master’s degree or professional certification (such as CFA) is highly valued.
• Welcoming candidates from traditional finance disciplines as well as diverse academic backgrounds that support innovative and critical thinking.

Schedule

Employees are required to work from the office a minimum of two days per week.

Pay

US Candidates: The anticipated base salary range for this position is $92,000 to $121,000 USD. Final base salary will be based on geographic location, experience level, skill set, training, licenses, and certifications. This role is also eligible for an annual incentive plan.

Canadian Candidates: The anticipated range of compensation for this position is 94,000 to 128,000 CAD. Final compensation will be based on performance, geographic location, experience level, skill set, training, licenses, and certifications.

Benefits

• Health & Wellness: Comprehensive health care coverage designed for mind and body.
• Flexible Downtime: Generous time off to help keep you energized.
• Continuous Learning: Access to resources to grow your career, including a continuing education program with a company-matched student loan contribution.
• Invest in Your Future: Competitive pay, retirement planning, and financial wellness programs.
• Family Friendly Perks: Best-in-class benefits for families, including partners and dependents.
• Beyond the Basics: Retail discounts and referral incentive awards.

For more information on benefits by country, visit spgbenefits.com/benefit-summaries.